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Are Employees Costing Your Company a Small Fortune?
Are Employees Costing Your Company a Small Fortune? When it comes to telecom costs, many companies in America are being ripped off right under their noses. The culprit? Employees. "Company workers can knowingly and inadvertently cost a company a...
Intellectual Capital (It's Money in the Bank)
This article talks about the risk of not preserving Intellectual Capital. It tells of actual events that illustrate what happens when a company fails to do this.
According to SearchCRM.Com this is the definition of Intellectual Capital:
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Marketing With a Twist!
marketing & advertising tips to help increase sales within 90 days.
Marketing With a Twist! Increase Sales By 20% Within 90 days! By A.R. Carroll
The Economy is TOUGH right now! Every business owner large & small knows this fact. To stay...
Student Credit Cards 101
If you’re a college student, you probably already have a credit card. If not, you may have plans to get one or more soon. So why should you read on?
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VOIP Small Business/Home Business Advantage
Small businesses, home-based businesses, and self-employed individuals have been turning to internet telephone service (also called broadband phone or VOIP) in droves. What is the attraction? As a self-employed, telecommuting,...
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The Easy Way To Build A Great Credit Report
The most important thing you can do when building credit is to
always pay your bills on time and to never borrow more than you
can afford to pay back. It sounds silly for me to say, but
unfortunately people do this every day. Credit is enticing and
it very easy to get in over your head. Beware because those "no
money down" and pre-approved credit card offers can send us
straight down the credit road of darkness! It's essential when
building a healthy credit report that you remember your long
term goals, and resist the temptation of buying yet another
thing on credit.
Today, it's more important than ever to have a good credit
rating. Don't get me wrong it has always been important to have
good credit if you want to buy a car, a house, rent an
apartment, or be approved for personal loans or credit cards.
However, today more and more employers are looking at credit
reports as part of background checks, and insurance companies
are considering them when deciding whether or not to extend
coverage.
Having good credit means you have established credit, which
stated simply means that you have borrowed money or used a
credit card and then re-paid it in a timely manner and not
extended your credit limits. Don't be fooled into thinking no
credit is good credit. It's just that "no credit" which means
you have no established track record. (good or bad)
Additionally, it means not overextending yourself and applying
for credit that you won't be able to pay back. One little tip;
don't "shop" for credit because every time you apply for a
credit card it shows the action as an inquiry on your report.
Too many of those make you look like a high risk to other
lenders!
As a young adult, using a cellular phone and paying your bills
on
time is a good way to start building a good credit report. In
addition, there are many special credit card offers for students
and young adults specifically designed to get a credit history
started, and using the card and paying it on time is one of the
best ways to establish excellent credit. Paying more than the
minimum payment, or even paying the full balance, is also a very
good idea.
An excellent way to build strong credit is with a car loan. Most
cars aren't cheap, so by having a large balance and then paying
it on time every month will do wonders for your credit. You'll
need to establish sufficient credit in order to be able to
borrow money and finance the car, but making other payments on
time - such as the ones mentioned above - and being gainfully
employed will allow you to do so.
Now that we have you buying things and spending money, it's time
to monitor your credit and make sure all is well. Request a copy
of your credit report once a year, from each credit bureau. It's
important to know which of your accounts show up on which
reports, and to make sure that they are all accurate. It's fine
to increase spending and credit as long you don't overextend,
and make sure to cancel any card you are not using immediately.
If you find mistakes on your credit report, make sure to follow
the bureau's instructions to challenge it, in writing. If you
follow these steps, you can get your credit rating up to an AAA
status and keep it there.
About the author:
If you would like to get more credit information you can visit
our website which contains many credit resources.
http://www.my-credit-report.info This article is copyright 2005,
but can be freely reprinted, as long as no changes are made,
including hyperlinks.
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Java Mobile Cell Phone Games - A220 Mission 1 |
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